Derek> Customer service. Americans are used to signing their stuff,
Derek> they will lose their PINs and have to have them re-sent to
Derek> them. They will need to wait for their assigned PIN in order to
Derek> use their card at all, as opposed to just being able to use it
Derek> as soon as they get it.

Cost.  Chip+Pin requires new terminals for the merchants as I
understand it, which is a signifigant cost.  I'd be *happy* to use a
Pin instead of the scrawl of a signature I use... it can't help but be
more secure.

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